North Dakota · HMDA 2025
Mortgage lenders in Richland County, ND
84 lenders reported 515 home-loan applications in Richland County in 2025. 313 closed as loans ($57.0M), 74 were denied — a 18.7% denial rate on decided applications, above the North Dakota rate of 13.6%. The three most active lenders handled 36% of applications, led by Bell Bank. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 515
- Loans originated
- 313
- Purchase / refinance
- 156 / 82
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Richland County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Bell Bank 59 out of 100, Moderate | 73 | 14.2% | 7.1% |
| 2 | Gate City Bank | 70 | 13.6% | — |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 41 | 8.0% | — |
| 4 | FIRST COMMUNITY CREDIT UNION | 40 | 7.8% | — |
| 5 | NEWREZ LLC | 21 | 4.1% | — |
| 6 | Rocket Mortgage, LLC | 19 | 3.7% | — |
| 7 | U.S. Bank National Association 55 out of 100, Moderate | 17 | 3.3% | 39.5% |
| 8 | 21st Mortgage Corporation | 12 | 2.3% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 12 | 2.3% | — |
| 10 | Old National Bank 59 out of 100, Moderate | 12 | 2.3% | 22.1% |
| 11 | Loandepot.Com, LLC | 9 | 1.7% | — |
| 12 | Mortgage Research Center, LLC | 9 | 1.7% | — |
| 13 | BMO Bank National Association 83 out of 100, Strong | 9 | 1.7% | 40.5% |
| 14 | FIGURE LENDING LLC | 9 | 1.7% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 8 | 1.6% | 14.1% |
| 16 | TOWN AND COUNTRY Credit Union 64 out of 100, Moderate | 8 | 1.6% | 3.2% |
| 17 | Bremer Bank, National Association | 7 | 1.4% | — |
| 18 | First International Bank & Trust 52 out of 100, Below average | 6 | 1.2% | 5.8% |
| 19 | CMG MORTGAGE, INC. | 5 | 1.0% | — |
| 20 | Cambria Financial Group, LLC | 5 | 1.0% | — |
| 21 | Equity Prime Mortgage LLC | 5 | 1.0% | — |
| 22 | Discover Bank | 4 | 0.8% | — |
| 23 | Western State Bank 78 out of 100, Strong | 4 | 0.8% | 6.3% |
| 24 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 4 | 0.8% | — |
| 25 | FREEDOM MORTGAGE CORPORATION | 4 | 0.8% | — |
| 26 | American Federal Bank 66 out of 100, Moderate | 4 | 0.8% | 12.5% |
| 27 | VALLEY MORTGAGE, INC. | 4 | 0.8% | — |
| 28 | Coastal Community Bank 35 out of 100, Low | 4 | 0.8% | 3.0% |
| 29 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 3 | 0.6% | 22.2% |
| 30 | GUARANTEED RATE, INC. | 3 | 0.6% | — |
| 31 | AmeriSave Mortgage Corporation | 3 | 0.6% | — |
| 32 | AgCountry Farm Credit Services, FLCA | 3 | 0.6% | — |
| 33 | AMERIHOME MORTGAGE COMPANY, LLC | 3 | 0.6% | — |
| 34 | PLANET HOME LENDING, LLC | 3 | 0.6% | — |
| 35 | Alerus Financial, National Association 70 out of 100, Strong | 3 | 0.6% | 10.1% |
| 36 | LAKEVIEW LOAN SERVICING, LLC | 3 | 0.6% | — |
| 37 | WEST GATE BANK 72 out of 100, Strong | 3 | 0.6% | 4.8% |
| 38 | CARRINGTON MORTGAGE SERVICES, LLC | 3 | 0.6% | — |
| 39 | Citizens Bank, National Association 54 out of 100, Below average | 2 | 0.4% | 32.5% |
| 40 | Fairway Independent Mortgage Corporation | 2 | 0.4% | — |
Top 40 of 84 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in North Dakota
- Cass County 6,416 apps
- Burleigh County 3,346 apps
- Ward County 2,267 apps
- Grand Forks County 1,846 apps
- Stark County 1,278 apps
- Williams County 1,275 apps
- Morton County 1,201 apps
- Stutsman County 628 apps
- McKenzie County 453 apps
- McLean County 274 apps
- Ramsey County 270 apps
- Barnes County 250 apps